There's a bizarre reason why millions of Americans saw their health plans cancelled in 2013 and, as explained in a new video featuring Robert Graboyes of the Mercatus Center at George Mason University, millions more will lose their plans in years to come.
Insurance coverage for Americans will remain in permanent turmoil because the Affordable Care Act (ACA) requires that all plans fit within cookie-cutter designs called "metallic tiers." (The tiers—bronze, silver, gold, and platinum—refer to the percentage of medical expenses a particular plan pays.) The video also explains that families may have to switch plans repeatedly because, as circumstances change, a plan that fits within a tier one year may not fit in any tier in a later year.
Please see Dr. Graboyes’ op-ed on this issue (If You Like Your Plan, You Still Can't Keep It) http://mercatus.org/expert_commentary/if-you-your-plan-you-still-cant-keep-it and subscribe to his health care policy updates https://mercatuscenter.wufoo.com/forms/subscribe-to-the-health-care-policy-newsletter/

Hint: single-payer won’t fix America’s health care spending.
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Americans don't drive up the price by consuming more health care. They don't visit the doctor more than other developed countries:
http://international.commonwealthfund.org/stats/annual_physician_visits/
But the price we pay for that visit - for a procedure - it costs way more:
http://static1.squarespace.com/static/518a3cfee4b0a77d03a62c98/t/57d3ca9529687f1a257e9e26/1473497751062/2015+Comparative+Price+Report+09.09.16.pdf
The price you pay for the same procedure, at the same hospital, may vary enormously depending on what kind of health insurance you have in the US.
That's because of bargaining power. Government programs, like Medicare and Medicaid, can ask for a lower price from health service providers because they have the numbers: the hospital has to comply or else risk losing the business of millions of Americans.
There are dozens of private health insurance providers in the United States and they each need to bargain for prices with hospitals and doctors. The numbers of people private insurances represent are much less than the government programs. That means a higher price when you go to the doctor or fill a prescription.
Uninsured individuals have the least bargaining power. Without any insurance, you will pay the highest price.
For more health care policy content, check out The Impact, a podcast about the human consequences of policy-making.
https://itunes.apple.com/us/podcast/the-impact/id1294325824?mt=2
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DIANE SAWYER: And now back here at home, the ongoing drama surrounding the major change in America's health care system coming. ObamaCare taking effect on October 1st, but in a last-ditch stand against it, one senator has performed his own endurance test. ABC senior Washington correspondent Jeff Zeleny.
TED CRUZ: I told the American people that I intended to stand until I can stand no more.
JEFF ZELENY: So Ted Cruz stood fast for 21 hours, 19 minutes, a symbolic fight against a health care law. After reading a bedtime story via C-SPAN to his two daughters in Texas...
CRUZ: Do you like green eggs and ham?
ZELENY: --he told story after story how families are bracing for ObamaCare. But far from the spectacle in the Capitol, American families are preparing for ObamaCare. Enrollment starts next week. In Pittsburgh, Dan Howard received a letter saying his policy will be cancelled because of the new law. Married with six children, he's struggling to find coverage.
DAN HOWARD: Of course I'm concerned.
ZELENY: But in Miami, Maggie Fernandez told us she's been cutting her high blood pressure pills in half, waiting to buy insurance since losing her job earlier this year.
MAGGIE FERNANDEZ: I need affordable health care. I'm looking forward to signing up on October 1.
ZELENY: The bottom line for millions: many young and healthy will likely pay more while older and sick Americans get a break and costs vary widely. A family of four making $50,000 will pay $600 a month in some states, far more in others. And some Republicans keep pushing to defund ObamaCare, a threat that could still shut down the government next week. We caught up with Senator Cruz moments after he finished speaking to ask what he accomplished.
CRUZ: This was all about elevating the debate in the public, giving the American people a chance to speak.
ZELENY: Jeff Zeleny, ABC News, Capitol Hill.

Fox News spoke to a California couple who have lost their Anthem plan thanks to Obamacare. And now they face premiums that are doubling and a $6000 deductible because of benefits mandated by Obamacare that they don't need. Because of the cost increase they may opt to skip coverage.

Congressional Republicans could soon vote to repeal Obamacare.
John Oliver explores why their replacement plans are similar to a thong.
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The Congressional Budget Office predicts that more people than who got health care under Obamacare will lose coverage under the repeal bill proposed by Republicans. But the bill also shows cuts in federal spending and a smaller deficit. John Yang gets reaction to the proposed law from Dr. Ezekiel Emanuel of the University of Pennsylvania and Lanhee Chen of the Hoover Institution.

US: Trump voters fear health insurance loss
US President Donald Trump has made a rare visit to Congress to ask Republicans to support a replacement healthcare plan.
The bill takes apart ex-President Barack Obama's signature affordable healthcare act, known as Obamacare.
In Kentucky, the number of uninsured has been cut in half under the programme, but it is also a state that voted overwhelmingly for Trump.
Al Jazeera's Kristen Saloomey reports from Clay County.
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Treatment for addiction grew with the Medicaid expansion under Obama's health care act, but millions may lose coverage if the House approves a measure to repeal the Affordable Care Act.
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Millions Stand to Lose Addiction Treatment If Obamacare Repealed | The New York Times
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This video discusses a huge problem that has been seen nationwide with the new Obamacare health plan (and it isn't the Obamacare website). It is the fact that so many new enrollments seem to just be picking the cheapest monthly premium package instead of looking at all of the variables. Most importantly, the deductible that goes with that package.
This video gives some specific examples that what some Americans are paying per month and also what the corresponding deductible is.
Keep in mind, the most important thing to do when picking your health insurance plan is to find out the TOTAL cost of owning that obamacare plan, not just the monthly premium.
For more on this and other retirement frequently asked questions, check out our site with new FREE retirement material for you to download every month.
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A common question we hear in our customer care center is: Can you explain how the subsidies work?
1. People who live in the U.S.
2. Are U.S. citizens, U.S. nationals, or lawfully present in the U.S.
3. Are not currently incarcerated may qualify for premium tax credits to help them pay for their health insurance.
If you meet these requirements, and you're total household income is between 100 and 400% of the Federal Poverty Level (or FPL), you will likely be eligible to receive a premium tax credit to reduce the cost of your health insurance.
These 'premium credits" or subsidies will be set on a sliding scale so that your contributions to the monthly premiums will be limited to a defined percentage of your income.
It's complicated...
If you meet residency requirements for subsidies, then you're total household income has to be between 100% and 400% of the Federal Poverty Level (or FPL). If it is, you may qualify for a "premium tax credit," or subsidy, to limit what you pay for your health insurance.
These subsidies are set on a sliding scale so that what you spend each month is limited to a defined percentage of your income, to the second least expensive silver-level plan available in your area.
Confused? Here is an example
If you wanted to buy the second least expensive silver plan available in your area, and your monthly income is 133% of FPL, you would be earning about $1,273 per month in 2013.
At that income level you could spend no more than 3% of your income -- about $38 per month -- to buy that second least expensive plan. The government subsidy pays the rest of your monthly premium.
As your income increases, so does your share of the cost for the monthly premium.
So, if your income rises to 400% of FPL -- about $3,832 per month in 2013 - you could spend no more than 9.5% of your monthly income -- about $364 - for that same plan; the second least expensive silver plan.
So if the second least expensive silver plan available in your area costs $300 a month, and you earn 400% of FPL, there is no subsidy for you.
But, if the second least expensive silver plan available in your area costs $500 a month, the government would pay the difference between the $500 plan and your $364 cap.
In that scenario you would pay $364 per month for your health insurance plan, and the value of your subsidy would be $136; $500 minus your $364 cap.
Now, if there also happened to be a bronze plan available for $400 a month, you could enroll in that plan and get the same $136 subsidy. In that case, your plan would cost you $264 per month.
Or, if you wanted a Gold plan that cost $600 per month, you would -- once again -- apply your $136 per month subsidy and pay $464 per month for your insurance policy.

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Millions of Children Lose Healthcare Due to Obamacare
- parents thought children would be covered for special needs
- hospitals told they are "out of plan"
- hospitals trying to scramble to get "in plan"
- insurance companies say it is too expensive to have both a wider choice of doctors and lower premiums
- insurance companies say obamacare is impossible.
- in network providers shrinking nationwide
- more hospitals are being kicked out of being "in network"
- hospitals are now covering for children with special healthcare needs
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Senate Republicans' fallback plan to repeal the Affordable Care Act and work on a replacement later would cause 18 million more people to be uninsured and premiums to spike by 20 to 25 percent next year, according to a congressional report.
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18 Million To Lose Health Insurance If Obamacare Is Repealed Without A Replacement Plan | TIME
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With only weeks before the midterms, the Trump administration announced plans to consider state requests that would further loosen Affordable Care Act restrictions, offer less comprehensive health plans and use Obamacare subsidies to pay for them. William Brangham asks Margot Sanger-Katz of the New York Times about the possible impact on politics, prices and people with preexisting conditions.
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A new Gallup/Sharecare poll shows that two million more Americans are without insurance this year, with the number of uninsured rising to 11.7 percent in the second quarter of 2017, up from 10.9 percent in the second quarter of 2016.
Source: http://www.breitbart.com/big-government/2017/07/10/people-losing-insurance-obamacare-2-million-second-quarter-2017/
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The U.S. Supreme Court has heard arguments in a new challenge to the Affordable Care Act, or "Obamacare." The Competitive Enterprise Institute, backed by the billionaire brothers David and Charles Koch, sued the government over an aspect of the law dealing with tax subsidies. The legal question before the court focuses on a four-word phrase in the Affordable Care Act, which says subsidies are available to those buying insurance on exchanges "established by the state." Plaintiffs claim the wording does not include some 7.5 million people in 34 states who get their insurance through federal exchanges, after their states declined to run exchanges of their own. If the government loses the case, millions of people would lose the subsidies needed to help pay for private health insurance. Justices appeared sharply divide during Wednesday’s arguments, and a decision is expected by late June.
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A Baltimore family has been booted from their existing BCBS health insurance plan. She went to the online exchange site and the closest she could find to her current plan costs $200 more per month. She is a small biz owner and mom of 2 and will pay $2500 more per year because of one size fits all healthcare.

Over 200K WA State residents will los their health plans due to Obamacare. Fifty-nine-year-old Edmonds business owner Doug Hall is one of those affected.
"It's very frustrating that we're being forced to do this," Hall said.
Hall's health provider told him last month it was terminating his current plan, but he says the new plan they're offering as a replacement has higher premiums and deductibles and doesn't offer the same level of coverage for he and his wife.
This week Republicans blasted President Obama, claiming he gave Americans false promises that everyone would be able to keep their current healthcare coverage. The White House responded, saying it's never been a secret that less than 5 percent of all insured Americans would have to seek a new plan.
Hall and others can't be denied new coverage, but he says he'd just prefer to continue his old plan.
"I don't know what to do, other than go with the flow, I guess, and pay more money," he said.

A question we get a lot here at eHealth is, can I still get health insurance or Obamacare if I missed the open enrollment deadline?
The short answer is yes, but it can be difficult.
The Affordable Care Act—Obamacare—allows you to enroll in a health plan outside of the annual Open Enrollment Period, IF you have something called a qualifying event.
So, what’s a qualifying life event?
There is a long list, but these are the most common ones:
1. Loss of existing health coverage because of a job change or job loss
2. Expiration of your COBRA benefits
3. Permanently moving to a new city or state
4. Changes in your family due to marriage, divorce, birth of a child, or loss of a loved-one
5. Turning 26 years old and losing coverage from your parents’ health plan
6. Certain changes in your income
7. The loss of eligibility for Medicaid or CHIP
8. Or, changes in disability status, citizenship or immigration status, or incarceration status.
Qualifying life events usually trigger a 60-day Special Enrollment Period when you can change your existing coverage or apply for new coverage.
It’s a good idea to have documentation of your qualifying life event with you when you apply for new coverage -- whether you apply online or offline.
BE AWARE:
Voluntarily canceling your coverage including COBRA, or losing health coverage because you didn’t pay your monthly premium is not a qualifying life event.
If you’re uninsured and don’t have a qualifying life event, you may want to investigate other types of catastrophic health coverage, such as:
• Short Term Health Insurance
• Accident Insurance
• Critical Illness Insurance
•
• Standalone Dental and Vision Plans
Be aware, none of these alternatives count as qualifying health coverage under Obamacare, and you may still be subject to a tax penalty.

ALBANY -- The website isn't the only glitch to the Affordable Care Act. Despite promises from the President during the push to adopt health care reform, new reports show at least 2 million people will be dropped from their health insurance and forced into the exchanges. Some local people just got their notices.They didn't think they'd be dropped at all because of the Affordable Care Act and they're fearful that coverage may end up being more expensive for them. They're weighing several options now including whether or not to have any insurance. I'm concerned, said one man. I took this job because I'd have health care.So imagine this man's surprise when he received this letter from his insurance company saying his coverage would end with the end of the year! He was placed through a temp agency with a state government job along with another woman facing the same problem. She tells us her insurance company said it was because they didn't meet the federal requirements.She can sign up for the exchanges on the New York State of Health website, or pay a $95 penalty and have no insurance. I'm tempted to go without insurance for a while, she told CBS6. Pay the penalty.There will likely be more coverage offered under the new insurance plans. They are listed on four tiers of coverage. While they offer the same set of essential benefits, there will be differences in how much you'll have to pay for the premiums or out-of-pocket expenses.I don't think some people understand why it's going to be in some cases more expensive, said Wendy Weller, Associate Professor of Public Health at UAlbany. That's because there's broader coverage and you have a little bit of safer coverage.Weller says you may be getting more out of your health plan after January 1, and people kicked off current plans may get some help.It may look expensive to go online and see a plan, and say, oh my gosh, this is how much you have to pay on a yearly basis but part of this cost might be offset by subsidies, Weller said.Those subsidies could vary depending on how much you make and are on sliding scales so people with lower incomes receive larger subsidies, Weller said.

PLEASE READ MY NEW COMMENT BELOW THIS DESCRIPTION PARAGRAPH ---- President Trump issued an Executive Order right after being sworn into office that orders the IRS not to collect the "tax" otherwise known as a fine on individuals who do not have healthcare. This saves Americans who did not sign up for Obamacare close to $700 each by this April. Families may end up saving thousands. This fine was set to increase yearly if the law remained in place. Essentially, the IRS was told they will lose authority by April 15th to collect the Obama directed penalties. Thank you President Trump!! You just saved millions of Americans thousands of dollars each over their lifetimes. For 2017 the penalty was just under $700 and was supposed to increase yearly. This video explains to Order, and what to watch for as we approach the tax deadline of April 15th.
BOTTOM LINE UP FRONT: Many people are reporting the penalties are still showing up online for early e-file. The Exec Order has instructed the IRS not to collect it, so we're most likely seeing this penalty online because people within the IRS are causing unrest, or they really are as incompetent as we have always thought and can't figure out how to remove it. I'm confident Trump and the Congress will get the law changed before April 15th...but you never know. The guy wasn't in Office less than two days before the left was screaming for him to resign. I'm sure there's going to be some opposition to him making any progress in getting the law changed. BUT, don't sweat it. People can amend their tax returns for a few years, maybe more per my understanding. I strongly encourage everyone having issues with this penalty seek out the advice of a tax professional, and not some temp worker at a mini mall hired to help people with their EZ forms. The good news is this was an Executive Order, not an Exec Memorandum. Exec Memos get misreported as Orders and they aren't really anything but a President's wish list. The Order is absolute and they better follow it. No different than your employer ordering you to change something within your operations. There are usually consequences if you don't listen to your boss, and I'm sure heads will roll at the IRS if they disobey Trump's Order. It should be noted that despite the Order, the law is the law and Democrats really screwed everyone and got it on the Federal Register. Trump will need to get that Law removed from the Fed Reg. Lets have hope and pray he can get it done quickly, otherwise I suspect there will be a lot of people paying it and going back and amending things later when He and Congress can officially have the law changed as he promised. I hope all of this helps. Best wishes to you all. Hang in there. --- PLEASE hit that Like Button and Subscribe to my channel for updates on this subject.
Link to my newest video on this subject. RyanCare Bill pulled from vote. Ryan and Trump reactions in press conferences: https://youtu.be/GFORcHgXH5M
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This cartoon explains health insurance using fun, easy-to-understand scenarios. It breaks down important insurance concepts, such as premiums, deductibles and provider networks. The video explains how individuals purchase and obtain medical care and prescription drugs when enrolled in various types of health insurance, including HMOs and PPOs.
This is the third YouToons video written and produced by the Kaiser Family Foundation. The video is narrated by former U.S. Senate Majority Leader Bill Frist, a nationally-recognized surgeon and Foundation trustee.
Also available in Spanish: http://youtu.be/mDPhCo11z0E
To download the video, please visit: http://www.kff.org/youtoons-health-insurance-explained

According to Politico, despite his administration’s efforts to sideline Obamacare, Trump is losing.
His latest attack expands the availability of short-term health plans which critics call “junk” insurance.
But despite Trump's efforts, more insurers are signing up to sell 2019 coverage.
Additionally, premium increases will be the lowest in years, showing Obamacare is working.
“The rate shocks have kind of run their course. The administration has basically done everything it can around this market. … They kind of shot all their bullets.” Chris Sloan Avalere Health.
Besides boosting short-term plans, Trump expanded alternative coverage options for small businesses.
He also halted payments to insurers for low-income customers and slashed Obamacare outreach.
But the markets’ resiliency to these efforts has turned out to be a surprise.
And now Democrats are trying to convert Obamacare’s newfound popularity into November success.
“They’re going to keep launching attacks. They’re determined to take away coverage.”
Sen. Chris Van Hollen
Public support has skyrocketed since congressional Republicans made ill-fated repeal attempts last year.
“I think the law has proven to be more resilient than both its opponents and proponents had anticipated. And that’s an economic observation as well as a political one.” Sen. Brian Schatz
https://www.politico.com/story/2018/08/01/trump-obamacare-health-insurance-719300
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Pfeifer Insurance Brokers
http://www.pfeiferinsurance.com
650-762-8087
533 Airport Blvd Ste 400 Burlingame, CA 94010.
How to buy cheap health insurance in California using CoveredCA.com. Find out if you qualify for premium assistance and set yourself up with an affordable policy.
https://youtu.be/Fe8VBMlRplw
http://www.yelp.com/biz/pfeifer-insurance-brokers-burlingame http://www.youtube.com/watch?v=BZ2JufO9yOg&feature=youtu.be
My Name is Alex Pfeifer. I'm the owner of Pfeifer Insurance Brokers located in Burlingame California. Today I'm going to talk to you about Covered California, AKA ObamaCare, AKA the Affordable Care Act. By the end of this video you will know who this Act benefits, how to apply for a policy under the insurance exchange, and best of all I'm going to show you an example of a 30 year old who lives in San Francisco, earns $25,000 per year and qualifies for a health policy that is under $20 per month. The Affordable Care Act made three major changes to the Health Care Industry. One, Health policies have been standardized; making it much easier to make an apples to apples comparison across the different insurance companies. Two: Health is no longer a factor in determining your premium or eligibility. It no longer makes a difference if you have cancer, a tumor, are obese or you smoke. It looks like you caught a break. The only factors for determining your premium are your age and your zip code. Three: There is premium assistance for individuals making less than $48,000 per year. The premium assistance can really add up and drive down the premium you actually have to pay. This is covered.com the official homepage for Covered California. I want to show you a couple of helpful links. Let's go to the shop and compare tool and then click on Health Insurance Benefits. The Affordable Care Act set up four standard policies. The Bronze, Silver, Gold and Platinum Plans. All of the companies that participate in the Exchange have to offer these four policies. The Bronze policy will have the lowest monthly premium, but it will also have the highest deductible and the highest copay. Now let's take a look at who's eligible for premium assistance. The income guidelines page shows that if you are an individual earning less than $48,960 per year you may be eligible for premium assistance. The less you earn the more premium assistance you may be eligible for. Now I would like to show you the fun part where we run a quote and I can show you how inexpensive a policy can be. Let's take a look at an individual who is 30 years old, lives in San Francisco and earns $25,000 per year. And that's enough to get us started with a quote. Click on See My Options. We get a pop up window that shows the metallic tiers. Here we can see the policies that are available to his person. And Wow! Look at that. CCHP is offering a policy for just $18 per month for the bronze policy. If you want a bronze policy but not the CCHP HMO policy you can see different options to the right. Scroll down and you can see the Silver plans. If you go to the next page you can see the Gold and Platinum plans. Click on a plan you are interested in. Note that there is $190 in premium assistance available to this person. You can see under the Platinum plan there is no deductible and the copays are very low. If you are interest in applying for a plan go back to the home page and click apply. If you need help, click of the request enrollment assistance button or contact a Covered California agent like myself. Covered California is good place to shop for your insurance needs. If you are eligible for premium assistance you will want to buy your policy through Covered California. If you are not eligible for Premium Assistance you can purchase your policy directly from the Insurance Company's website. I hope you enjoyed the video today. If you did give it a thumbs up. If you really liked it, share it with your friends and family. See you next time.

Did President Obama lie when he said (regarding the Affordable Care Act) you would be able to keep your current health insurance plan and doctor if you liked it? Will Obamacare actually force people into better plans? What does Fox News have to say about all of this? The Young Turks host Cenk Uygur breaks it down.
Read CBS News' Obamacare 'Victim' Now Calls Losing Health Plan a 'Blessing in Disguise' here: http://www.mediaite.com/online/cbs-news-obamacare-victim-now-calls-losing-health-plan-a-blessing-in-disguise/
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Trump promised everyone would be covered under his plan. He lied. A lot. Cenk Uygur, host of The Young Turks, breaks it down. Tell us what you think in the comment section below. http://tytnetwork.com/go
"The Congressional Budget Office (CBO) on Monday released its score of the GOP's plan to replace the Affordable Care Act (ACA), or Obamacare, projecting that 14 million people would lose coverage by 2018 if the Republican bill is implemented.
And that number would rise to 24 million by 2026.
Additionally, the plan would lead to higher deductibles and other cost-sharing payments.
In short, as Sen. Bernie Sanders (I-Vt.) wrote on Twitter, "The Republican healthcare plan: less healthcare for you, bigger salaries for healthcare CEOs. Republican priorities!”
And the broader popular movement actively resisting the repeal and replace effort latched onto details of the CBO findings to highlight the inherent cruelty of the GOP's approach.
LeeAnn Hall, co-director of People’s Action who also serves on the executive committee of advocacy group Health Care for America Now (HCAN), called on the House leadership to immediately halt further action on what she termed the "irresponsible" AHCA.
The CBO numbers, said Hall in statement, "clearly show the serious damage the repeal legislation will do to millions of lives by next year – and millions more in the next few years. Anyone who believed GOP promises that people would still have health insurance under the Republican repeal plan now know that they were lied to; they are going to be left out in the cold.””*
Read more here: http://www.commondreams.org/news/2017/03/13/cbo-trumpcare-would-wipe-out-coverage-24-million-people
Hosts: Cenk Uygur
Cast: Cenk Uygur
***
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Young Turk (n), 1. Young progressive or insurgent member of an institution, movement, or political party. 2. Young person who rebels against authority or societal expectations. (American Heritage Dictionary)
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The class of drugs that Levitra, Viagra, Stendra, and Cialis belong to are called PDE5 inhibitors. They work by relaxing tight blood vessels, allowing more blood to surge into the penis and cause an erection, says Gregory Bales, M.D., an associate professor of urology at the University of Chicago.
The little pills do the trick for more than two-thirds of men with Viagra protects the heart (ED). They also work for guys who simply need them for a short time to get their “confidence back,” says Michael Eisenberg, M.D., director of male reproductive medicine and surgery at Stanford University.